Is an insertion a point mutation or frameshift mutation?

A frameshift mutation is produced either by insertion or deletion of one or more new bases. Since the reading frame begins at the start site, any mRNA produced from a mutated DNA sequence will be read out of frame after the point of the insertion or deletion, yielding a nonsense protein

Explanation:

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desert perennials often survive by remaining dormant during dry periods of the year, then springing to life when water becomes available. most annual desert plants germinate only after heavy seasonal rain, then complete their reproductive cycle very quickly.